MoCaFi app for iPhone and iPad

Spend smart, build credit, and do you with the MoCaFi Mobility Bank Account and Debit Mastercard®.

Opening a MoCaFi Mobility Bank Account gets you a MoCaFi Mobility Debit Mastercard® and access to no charge ATM withdrawals, options on how to load your funds, and make purchases everywhere Debit Mastercard is accepted.

When you open a MoCaFi account, your account number and routing number are immediately available for direct depositing approved payroll and government benefits checks. Use the MoCaFi app to photo deposit approved checks using the Ingo™ Money Service integration.

The MoCaFi Debit Card can be used at any of the 55,000 AllPoint Network ATMs to withdraw cash with no surcharge fee. Just look for the AllPoint logo or use the ATM locator in the MoCaFi app.

Use our Bill Pay feature to send check payments to your landlord and opt-in to report those payments to Equifax and TransUnion. In addition to monthly reporting, we can also submit a one-time report of up to 24 months of past rental payment history.


VantageScore Tracker by Equifax is a free tool to track the behavior of your credit profile over time. VantageScore is growing as a rival to FICO for thin-credit file consumers with 12 billion scores provided to consumers and lenders between 2018 and 2019.

Get access to wealth building resources with points accumulated on your MoCaFi Mobility Score. Start out with access to financial coaching, credit education, and homeownership counseling.

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Fees may be charged by a 3rd party provider of ATM services outside of the MoCaFi network. Review the MoCaFi Account Agreement for account fee details.

Ingo is operated by First Century Bank, N.A. and Ingo Money. Ingo accepts most types of government, payroll, personal or other checks for review and approval. All checks must have the writer’s name and address pre-printed on the check, be dated on or before the date of submission, be made out to you as your name appears in our system, have matching numbers in the two amount lines, be signed by the check writer, be endorsed by you, and the endorsement must match the name on the payee line on the front of the check. We do not generally accept credit card checks, traveler’s checks, “starter checks” or other checks which do not have the check writer’s name and address pre-printed on the check, U.S. Savings Bonds, or checks drawn on accounts located outside of the United States or payable in currency other than US Dollars. We may or may not accept checks you have written to yourself, in our sole discretion.

Rental Payment Reporting is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.